Business Details
27 Years
experience
Your Independent Insurance Experts in Lakewood, Colorado
Elkstone Insurance Group was founded in 1999 as an independent insurance agency serving clients across Colorado. Our principal agent, Martin A. Sajbel, has dedicated over 25 years to helping individuals and families navigate their insurance needs. As an independent agency, we represent multiple insurance providers including Travelers, Progressive, and The Hartford, allowing us to offer tailored solutions that balance cost and coverage. We prioritize personalized service, taking the time to understand each client's unique circumstances and risk management goals.Our expertise spans auto, home, life, and specialty insurance products, with a focus on protecting clients' assets and lifestyles. We differentiate ourselves through direct access to experienced professionals without automated phone systems, ensuring consistent support throughout policy selection, modifications, and claims processes. Our commitment to transparency and client education empowers informed decision-making, while our local market knowledge enhances our ability to address Colorado-specific insurance considerations.
Services
Auto Insurance
Home Insurance
Life Insurance
RV Insurance
Condo Insurance
Landlord Insurance
Disability Insurance
Annuity Insurance
Watercraft Insurance
Umbrella Insurance
Details
- Year established: 1999
Highlights and features
- We offer 25+ years of independent insurance expertise
- We represent multiple carriers for comprehensive coverage options
- We provide personalized policy comparisons and cost analysis
- We maintain direct client-agent communication without automated systems
- We specialize in Colorado-specific insurance requirements
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual driving needs and vehicle types. Our services include policy comparisons across multiple carriers, coverage customization for liability and protection levels, and personalized rate analysis. With expertise in Colorado-specific insurance requirements, we help clients secure optimal protection while maintaining competitive pricing through our independent agency network.
Home Insurance
Our home insurance services offer customized protection for primary residences and investment properties. We provide multi-carrier policy comparisons, coverage tailoring for unique home features, and expert guidance on Colorado-specific risks. Our team helps clients understand policy nuances while securing competitive rates that balance comprehensive coverage with affordability through our network of trusted insurance providers.
Life Insurance
We offer life insurance solutions designed to protect families' financial futures through term and permanent policy options. Our services include needs assessments, multi-carrier rate comparisons, and policy explanations tailored to individual circumstances. With access to over 20 insurance companies, we help clients find appropriate coverage amounts at competitive rates that align with their long-term financial planning goals.
Umbrella Insurance
Our umbrella insurance policies provide extended liability protection beyond standard auto and home insurance limits. We offer policy integration guidance, risk assessment services, and competitive rate comparisons across multiple carriers. This specialized coverage helps protect clients' assets from catastrophic liability claims, with affordable options starting at approximately $140 annually for comprehensive multi-policy coverage.
RV Insurance
We provide specialized insurance coverage for various recreational vehicles including motorhomes, campers, and off-road vehicles. Our services include customized policy options for different vehicle types, usage patterns, and storage requirements. We offer competitive rate comparisons across multiple carriers while providing expert guidance on Colorado-specific coverage considerations for recreational vehicle owners.
People
Martin A. Sajbel
Principal Insurance Agent
Martin A. Sajbel has served as an independent insurance agent since 1994, specializing in personalized coverage solutions for Colorado residents. His expertise spans multiple insurance lines, with a focus on matching client needs with appropriate policy options. He maintains direct client relationships and provides continuous support throughout the policy lifecycle.
Questions
What types of insurance do you offer?
We offer auto, home, life, RV, watercraft, condo, landlord, disability, annuity, and umbrella insurance policies tailored to Colorado residents' needs.
How do you find competitive insurance rates?
As an independent agency representing multiple carriers, we compare policies and pricing across providers to find optimal coverage-to-cost ratios for each client's specific situation.
Can you help with existing policy reviews?
Yes, we provide comprehensive policy reviews to assess current coverage adequacy and identify potential cost savings or coverage gaps in existing insurance arrangements.
Do you offer specialized insurance for unique properties?
We specialize in customized coverage solutions for unique properties including condominiums, rental units, and recreational vehicles through our network of specialty insurance providers.
How does umbrella insurance protect assets?
Umbrella insurance extends liability coverage beyond standard policy limits, protecting assets from catastrophic claims that exceed primary auto or home insurance coverage amounts.
